Insurance.
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Tuned
Joined: Jan 2013
Posts: 369
Likes: 16
From: Pleasant Grove, Alabama
Insurance.
I've read the threads that include talk about the insurance costs on the 2015 Ford. Most threads are about a month old now....
I'm wondering what those of you that have actually taken delivery and insured a 2015 have found?
I'm wondering what those of you that have actually taken delivery and insured a 2015 have found?
Lead Driver
Joined: Jun 2005
Posts: 8,473
Likes: 727
From: Calgary Canada
I think those threads have actual quotes from actual insurance companies, and from what I saw, it appears the 2015's aren't any more expensive to insure than the 2014's were.
This won't be true if you're going from a much older vehicle with lower value, as vehicle replacement value is factor in the cost.
Around here, liability insurance is the largest part of the premium, and that has to do with the driver, not the vehicle. Only comprehensive and collision change with vehicles.
It's probably different for everyone, I'd suggest you call your own insurance company.
This won't be true if you're going from a much older vehicle with lower value, as vehicle replacement value is factor in the cost.
Around here, liability insurance is the largest part of the premium, and that has to do with the driver, not the vehicle. Only comprehensive and collision change with vehicles.
It's probably different for everyone, I'd suggest you call your own insurance company.
Post Fiend
Joined: Apr 2002
Posts: 19,311
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From: Waterloo, Iowa
O, Canada! That's amazing. Comprehensive/collision dwarfs liability in this country. To what do you attribute that? Is insurance generally more expensive overall?
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Tuned
Joined: Jan 2013
Posts: 369
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From: Pleasant Grove, Alabama
Thanks....let me add a word.
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Tuned
Joined: Jan 2013
Posts: 369
Likes: 16
From: Pleasant Grove, Alabama
Good to hear.
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Logistics Pro
Joined: Jul 2006
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From: Detroit
Insurance costs will tend to change over the first few years as the insurance companies get actual claims $$$ payout experience, so regardless of what the insurance premium may be right now, it will be a while before the real differences are established. And those differences will be in the comprehensive (hail damage, etc.) and collision portions of your insurance cost, so even if that cost were to double, it would not increase the total premium by that large a percentage. Your billing statement should have a breakout of the cost for the different pieces of coverage.
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From: Lewisberry, Penn
The AL body will be far less prone to hail damage so that will actually help it. Another factor is that Ford build the truck with repairs in mind, so while materials have gone up, they intentionally designed the areas prone to damage to be modular for much lower labor rates, as well as fewer parts needing to be replaced. For a majority of situations, repairs should be the same or less. There may be a quicker "totaled" amount for serious accidents, but this represents a much smaller portion of actual claims.
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Joined: Jan 2008
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From: Maine, Virginia
The AL body will be far less prone to hail damage so that will actually help it. Another factor is that Ford build the truck with repairs in mind, so while materials have gone up, they intentionally designed the areas prone to damage to be modular for much lower labor rates, as well as fewer parts needing to be replaced. For a majority of situations, repairs should be the same or less. There may be a quicker "totaled" amount for serious accidents, but this represents a much smaller portion of actual claims.
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